126 Pine Cv · Jackson, MS 39212

$59,000

3 bd · 1.0 ba · 1,421 sqft · SingleFamily public records · 9 Days on market

Built 1981 Fair condition 0.39 ac lot $42/sqft · 59% below area ↓ 42% since listing

---

Why this score? — see what drove the B- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Rent growth +3.6/5.0
• Livability +3.4/5.0
• Condition / age +2.8/5.0
• Schools +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks

Investment Opportunity - Solid-structured property with a functional layout and usable lot, presenting an excellent opportunity for investors or rehabbers. Roof replacement is required, offering potential to increase equity, generate rental income, or enhance resale value. With vision and improvements, this property provides investors the ability to create value, optimize ROI, and maximize the long-term potential of a home in a stable neighborhood.

Key facts

• Usable lot
• Stable neighborhood
• Roof replacement

Tags

• FUNCTIONAL LAYOUT
• USABLE LOT
• ROOF REPLACEMENT
• STABLE NEIGHBORHOOD

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $59k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $691 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $59k).
• Cap rate 20.3% vs local median 9.3% in Jackson — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 68/100 on livability (#66 in MS) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: amenities F, employment F, health & safety F.
• Jackson Public School District (urban): math 9% / reading 18% proficiency, ranked #112 of 130 in MS (top 86%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 88% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Timberlawn Elementary School (math 5% / reading 11%, grade F, #334 of 375 statewide, top 89%, 353 students, 100% FRL); Bailey Middle Apac School (math 46% / reading 62%, grade B-, #18 of 179 statewide, top 10%, 247 students, 100% FRL); Forest Hill High School (math 5% / reading 15%, grade F, #168 of 197 statewide, top 86%, 991 students, 100% FRL).
• Market conditions: Rents rising fast (+4.2%/yr); 451 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals lingering (median 48d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 80% of comp listings sitting > 30 days — soft ceiling on asking rent; 167 units permitted in Hinds County in 2024 (0 in 5+ unit buildings).
• This rent runs 35% of the median local income ($51k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $408 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Hinds County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 4.2% rent growth), your $17k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts; this cycle's ask has dropped $10k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: property tax is 3.0% of price.
• Climate carrying-cost: moderate flood risk; severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $59,000

Questions for the listing agent

1. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
6. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
7. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 2.51% ✓
• Cap rate: 20.35%
• Cash-on-cash: 50.19%
• DSCR: 3.23
• GRM: 3.3

CMA / ARV

• ARV (median comp): $145,478
• List price: $59,000
• Delta: -59.44%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5007 Fox Glen Dr	0.40mi	3/2.0	1,318 (-7%)	1mo	$219,900	$167	64
101 Sundew Pl	0.52mi	3/2.0	1,386 (-2%)	4mo	$149,900	$108	64
4375 Redwood Cir	0.62mi	3/2.0	1,392 (-2%)	1mo	$119,900	$86	63
5018 Fox Glen Dr	0.43mi	4/2.0 (+1)	1,497 (+5%)	0mo	$222,900	$149	62
5638 Dogwood Trl	0.63mi	3/2.0	1,386 (-2%)	1mo	$114,900	$83	62
5005 Fox Glen Dr	0.40mi	4/2.0 (+1)	1,497 (+5%)	3mo	$232,900	$156	61
5008 Fox Glen Dr	0.43mi	3/2.0	1,318 (-7%)	3mo	$219,900	$167	61
5011 Quail Ridge Dr	0.37mi	4/2.0 (+1)	1,497 (+5%)	4mo	$232,900	$156	61
5009 Fox Glen Dr	0.40mi	4/2.0 (+1)	1,497 (+5%)	4mo	$229,900	$154	60
5014 Fox Glen Dr	0.44mi	4/2.0 (+1)	1,497 (+5%)	3mo	$229,900	$154	59
5015 Fox Glen Dr	0.41mi	3/2.0	1,272 (-10%)	3mo	$218,900	$172	57
5011 Fox Glen Dr	0.40mi	3/2.0	1,272 (-10%)	4mo	$219,900	$173	56

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 4.23% rent growth · sell at horizon

5-year hold

• IRR: 49.4%
• Equity multiple: 3.20×
• Total profit: $36,372
• Equity at exit: $8,797

10-year hold

• IRR: 55.5%
• Equity multiple: 6.84×
• Total profit: $96,432
• Equity at exit: $5,101

Cash invested: $16,520 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 90 Strongly Landlord-Friendly
• State Mississippi: 90 Strongly Landlord-Friendly · R+11
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; very landlord-favorable; no rent control.

Methodology + full state rankings →

Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 21 active · 23 under contract
• Months of supply: 6.0 mo (17%/mo absorbed)
• Median asking: $144,900 ($99/sqft)
• Median days on market: 133 d
• This list price: lowest-priced of the active set
• ARV vs active asking: +3.9% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 39212

• Home prices YoY: -11.7%
• Rents YoY: 4.2%
• Active inventory: 451
• Price-to-rent: 3.3×

Monthly cashflow live

• Estimated rent: $1,484 high
• Mortgage (P&I): −$309
• Tax from tax record: −$147 /mo · $1,766/yr
• Insurance: −$25
• HOA: −$0
• Vacancy / Maint / Mgmt: −$312
• Net cashflow: $691

Break-even live

Break-even rent $609

Max offer price $59,000

Occupancy floor 48%

Sensitivity live

Price	-10% $724	-5% $708	+0% $691	+5% $674	+10% $658
Rent	-10% $574	-5% $632	+0% $691	+5% $750	+10% $808
Rate	-1.0pp $721	-0.5pp $706	base $691	+0.5pp $676	+1.0pp $660

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $14,750
• Closing costs: $1,770
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2479 Twisted Oak Dr Jackson, MS	3.0	2.0	1319	$1,550	$1.18	48d	1	0.33mi
4954 Hanging Oak Dr Jackson, MS	3.0	2.0	1082	$1,215	$1.12	184d	1	0.51mi
5638 Dogwood Trl Jackson, MS	3.0	2.0	1386	$1,650	$1.19	0d	1	0.61mi
5377 Brookhollow Dr Jackson, MS	3.0	2.0	1631	$1,511	$0.93	44d	1	1.18mi
2107 Thousand Oaks Dr Unit A Jackson, MS	3.0	2.0	1182	$950	$0.80	162d	1	1.45mi

Property features AI

Exterior

• Parking: CarportConcrete parking
• Utilities: Public waterPublic sewerCable, electricity, and natural gas available
• Home design: Single-family residenceOne story
• Construction: Architectural shingle roofBrick constructionConventional foundation
• Exterior features: Backyard fencingCul-de-sac

Interior

• Kitchen: Electric range
• Bedrooms: 3 bedrooms on the main floor
• Flooring: Laminate flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heatingCentral air conditioning
• Interior features: Ceiling fanLiving room fireplace
• Laundry & utility: Laundry roomElectric dryer hookup

Listing history 50 events

1. 2026-11-08
   days on market $59,000 Active 9 DOM
2. 2026-11-07
   days on market $59,000 Active 8 DOM
3. 2026-11-06
   days on market $59,000 Active 7 DOM
4. 2026-11-06
   pricestatus $59,000 Active 6 DOM
5. 2026-10-23
   status $69,000 Pending 6 DOM
6. 2026-10-23
   days on market $69,000 Active 6 DOM
7. 2026-10-22
   days on market $69,000 Active 5 DOM
8. 2026-10-21
   days on market $69,000 Active 4 DOM
9. 2026-10-20
   days on market $69,000 Active 3 DOM
10. 2026-10-19
    days on market $69,000 Active 2 DOM
11. 2026-10-18
    pricedays on marketlisting id $69,000 Active 1 DOM
12. 2026-10-15
    days on market $94,000 Active 239 DOM
13. 2026-10-14
    days on market $94,000 Active 238 DOM
14. 2026-10-13
    days on market $94,000 Active 237 DOM
15. 2026-10-12
    days on market $94,000 Active 236 DOM
16. 2026-10-11
    days on market $94,000 Active 235 DOM
17. 2026-10-10
    days on market $94,000 Active 234 DOM
18. 2026-10-09
    days on market $94,000 Active 233 DOM
19. 2026-10-08
    days on market $94,000 Active 232 DOM
20. 2026-10-07
    days on market $94,000 Active 231 DOM
21. 2026-10-06
    days on market $94,000 Active 230 DOM
22. 2026-10-05
    days on market $94,000 Active 229 DOM
23. 2026-10-04
    days on market $94,000 Active 228 DOM
24. 2026-10-03
    days on market $94,000 Active 227 DOM
25. 2026-10-02
    days on market $94,000 Active 226 DOM
26. 2026-10-01
    days on market $94,000 Active 225 DOM
27. 2026-09-30
    days on market $94,000 Active 224 DOM
28. 2026-09-29
    days on market $94,000 Active 223 DOM
29. 2026-09-28
    days on market $94,000 Active 222 DOM
30. 2026-09-27
    days on market $94,000 Active 221 DOM
31. 2026-09-26
    days on market $94,000 Active 220 DOM
32. 2026-09-25
    days on market $94,000 Active 219 DOM
33. 2026-09-24
    days on market $94,000 Active 218 DOM
34. 2026-09-23
    days on market $94,000 Active 217 DOM
35. 2026-09-22
    days on market $94,000 Active 216 DOM
36. 2026-09-21
    days on market $94,000 Active 215 DOM
37. 2026-09-20
    days on market $94,000 Active 214 DOM
38. 2026-09-19
    days on market $94,000 Active 213 DOM
39. 2026-09-18
    days on market $94,000 Active 212 DOM
40. 2026-09-17
    days on market $94,000 Active 211 DOM
41. 2026-09-16
    days on market $94,000 Active 210 DOM
42. 2026-09-15
    days on market $94,000 Active 209 DOM
43. 2026-09-14
    days on market $94,000 Active 208 DOM
44. 2026-09-13
    days on market $94,000 Active 207 DOM
45. 2026-09-12
    days on market $94,000 Active 206 DOM
46. 2026-09-11
    days on market $94,000 Active 205 DOM
47. 2026-09-05
    days on market $94,000 Active 199 DOM
48. 2026-09-04
    days on market $94,000 Active 198 DOM
49. 2026-09-03
    days on market $94,000 Active 197 DOM
50. 2026-08-31
    days on market $94,000 Active 194 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast MS · Resets to sale price

• Current annual tax: $1,766 · $147/mo
• Projected year-2 tax: $1,766 · $147/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 50% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,804
• − Mortgage interest: −$3,305
• − Property taxes: −$1,766
• − Insurance: −$295
• − Repairs & maintenance: −$1,424
• − Management: −$1,424
• − Depreciation: −$1,716
• Taxable income: $7,873
• Est. tax owed @ 24.0%: −$1,890
• After-tax cash flow: $6,402/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Condition & rehab AI · 9 photos

Fair 55/100 Moderate rehab Est. rehab $35,525–$63,945 screening

This property requires moderate renovations, including roof replacement and exterior updates, to improve its value and appeal to buyers or renters.

Components & finishes AI

Roof asphalt shingle · aged Flooring hardwood

Deferred maintenance Est. $50,000–$150,000 screening

• Major Roof (roof) — Significant wear and discoloration visible on the roof
• Major Windows (windows) — Older style windows with visible wear and tear
• Major Electrical (electrical) — Older electrical panel visible, likely in need of replacement
• Major Plumbing (plumbing) — Older style plumbing fixtures visible, likely in need of replacement
• Major Exterior (exterior) — Exterior siding appears aged and in need of repair or replacement

Repairs flagged

• Major roof — Significant wear and tear
• Moderate exterior siding — Weathered appearance

Value-add opportunities

• Both Paint exterior walls — Enhances curb appeal and value ↑
• Both Trim and edge landscaping — Improves curb appeal and value ↑
• Both Replace roof — Significant wear and tear ↑

ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 20/100

Zoned Schools

Elementary Timberlawn Elementary School F MS #334/375 Nat'l #39,822/41,679 Middle Northwest Middle School F MS #53/179 Nat'l #5,602/14,009 High Forest Hill High School F MS #168/197 Nat'l #15,975/17,239

Schools (NCES district)

• District: Jackson Public School District
• NCES district ID: 2802190
• Math proficiency: 9% ▼ -14.00%
• Reading proficiency: 18% ▼ -7.00%
• Median HH income: $33,234
• Composite: 10.89/100
• National rank: #9755
• State rank: #112 of 130 in MS

C Composite livability gradescore 68/100

Livability — Jackson

• Score: 68/100
• State rank: #66
• US rank: #9695

Category grades

Amenities F Commute A+ Cost of living A+ Crime C Employment F Housing A+ Health & safety F User ratings F

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jackson, MS
• County: Hinds County · 242,528 people
• City population: 140,204
• Metro: Jackson, MS
• Population (ZIP): 25,659
• Household income: $50,722
• Rent vs Own: 37.8% rent · 62.2% own
• Severe rent burden: 13% of renters

---

Population outlook (Hinds County) Hauer SSP2

• Today (2025): 242,528 people
• By 2030: 241,113 · -0.6%
• By 2040: 235,557 · -2.9%
• By 2050: 226,946 · -6.4%
• By 2075: 199,995 · -17.5%
• By 2100: 164,165 · -32.3%

---

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (86%)
• Race & ethnicity: Black 86% White 9% Hispanic / Latino 3% Two or more races 3%
• Languages at home: 97% English-only · Spanish 2%

---

Political lean MEDSL · Hinds

• 2024 margin: Solid D (+46.1) · D 72.4% · R 26.3% · Other 1.4%
• 2008→2024 swing: +7.1pp toward D · 2008: 39.0pp · 2024: 46.1pp
• All cycles: 2024: D+46.1 2020: D+48.3 2016: D+43.7 2012: D+45.1 2008: D+39.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -23.01%
• Current HPI: 174.4025
• Rent YoY: ▲ 4.23%
• Metro: Jackson, MS
• State GDP YoY: —
• F500 in state: 0

Property features AI

Exterior

• Parking: CarportConcrete parking
• Utilities: Public waterPublic sewerCable, electricity, and natural gas available
• Home design: Single-family residenceOne story
• Construction: Architectural shingle roofBrick constructionConventional foundation
• Exterior features: Backyard fencingCul-de-sac

Interior

• Kitchen: Electric range
• Bedrooms: 3 bedrooms on the main floor
• Flooring: Laminate flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heatingCentral air conditioning
• Interior features: Ceiling fanLiving room fireplace
• Laundry & utility: Laundry roomElectric dryer hookup

Price history

-41.5% since first listed

15 events — show timeline

• 2026-10-17 Listed $69,000 MLSU
• 2026-10-15 Listing Removed — MLSU
• 2026-08-11 Listing Removed — MLSU
• 2026-05-29 Price Changed $94,000 MLSU
• 2026-02-11 Listed $99,000 MLSU
• 2026-02-10 Listing Removed — MLSU
• 2026-01-29 Listing Removed — MLSU
• 2025-12-31 Listing Removed — MLSU
• 2025-10-16 Price Changed $110,000 MLSU
• 2025-09-15 Price Changed $116,900 MLSU
• 2025-07-29 Listed $118,000 MLSU
• 2023-07-31 Sold (Public Records) — Public Records
• 2017-12-19 Sold (Public Records) — Public Records
• 1992-12-08 Sold (Public Records) — Public Records
• 1987-03-06 Sold (Public Records) — Public Records

Property tax history

+7.4%/yr

Latest (2025): $1,766 · +2.1% YoY. Source: county tax records.